Increased Profit

• Variable cost of Internet collection is significantly lower than any other medium.
• Works 24/7/365 with no human engagement.
• Keep significantly more of what you collect.

Virtually No Risk

• No upfront cost to purchase, develop or operate technology.
• Performance-based fee schedule with minimal out-of-pocket expenses.
• No long term commitment.
• Mature and established technology used in online banking.

Online Payments

• Debit payments processed directly through ACH network.
• Real-time credit card processing.
• More efficient - does not require human intervention.
• Organized reporting and bookkeeping.

Tap New Markets

• Significantly increase profit on small debt which is traditionally expensive to collect.
• Leverage minimal variable collection cost when processing hard to collect accounts.
• Offset the risk of purchasing bad debt with the low collection cost.

Expanded Business Without Committing to Additional Human Resources or Business Space

• Like extra collectors, but without the cost or hassle.
• No long term commitment, workers' comp, payroll taxes, training, turnover, ramp-up period.
• Much more cost effective than adding even one additional collector.
• No additional office space required, no additional phone lines.

Competitive Advantage When Bidding for New Business

• Advanced technology and new medium provide barrier to entry for the competition.
• Technologically advanced customers (larger customers) appreciate automation and simplification of the business process.
• Seamless and streamlined integration with customers' existing information systems.

Outclass Competition

• Provide more services and new media for less than basic offering from the competition.
• Show that you care for your customers' interests and bottom line.

Customer Retention Through New and Advanced Services

• Customers appreciate extra features, especially when they drive the cost down.
• Less chance of customers switching to competition without online ability.
• Undercut competition as a retention mechanism without your bottom line suffering.